A growth-focused portfolio with emphasis on tech and clean energy alongside core market exposure

Report created on Oct 27, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

Your portfolio is structured around a core holding in the Vanguard S&P 500 ETF, making up half of the allocation. This is complemented by international exposure through the Vanguard Total International Stock Index Fund ETF Shares and sector-specific investments in semiconductors and clean energy via the iShares ETFs. The Vanguard Growth Index Fund ETF Shares add a focus on growth-oriented stocks. This composition suggests a strategy leaning towards growth with a significant tilt towards technology and sustainability, balanced by broad market and international diversification.

Growth Info

Historically, your portfolio has shown a Compound Annual Growth Rate (CAGR) of 15.85%, with a maximum drawdown of -33.85%. The days contributing most to returns indicate significant gains concentrated in a relatively short period, typical for growth-oriented investments. While past performance is impressive, it's important to remember that it doesn't guarantee future results. This performance should be viewed in the context of your risk tolerance and investment horizon.

Projection Info

Monte Carlo simulations, which use historical data to project a range of possible future outcomes, suggest a wide variance in potential portfolio values. With the majority of simulations showing positive returns, this indicates optimism for future growth. However, the wide range between the 5th and 67th percentiles underscores the inherent uncertainty and risk in the market, emphasizing the need for ongoing risk management.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

Your portfolio is almost entirely invested in stocks (99%), with a minimal cash holding (1%). This heavy stock allocation aligns with a growth-focused strategy but comes with higher volatility and risk. Diversifying across different asset classes, such as bonds or real estate, could provide a buffer against stock market fluctuations and reduce overall portfolio volatility.

Sectors Info

  • Technology
    41%
  • Financials
    11%
  • Industrials
    10%
  • Consumer Discretionary
    8%
  • Telecommunications
    7%
  • Utilities
    7%
  • Health Care
    6%
  • Consumer Staples
    4%
  • Energy
    2%
  • Basic Materials
    2%
  • Real Estate
    2%

The sector allocation shows a heavy emphasis on technology, followed by financial services and industrials. This tech-heavy approach aligns with a growth investment strategy but may increase volatility, especially during market downturns or interest rate hikes. Balancing out sector exposures can help mitigate sector-specific risks and smooth out returns over time.

Regions Info

  • North America
    73%
  • Europe Developed
    11%
  • Asia Emerging
    6%
  • Asia Developed
    4%
  • Japan
    3%
  • Latin America
    1%
  • Australasia
    1%
  • Africa/Middle East
    1%

Geographically, your portfolio is heavily weighted towards North America (73%), with smaller allocations across developed Europe, emerging Asia, and other regions. This concentration in North America, particularly the U.S., is common but does expose you to regional economic and political risks. Increasing exposure to other developed and emerging markets could enhance diversification and potential for growth.

Market capitalization Info

  • Mega-cap
    40%
  • Large-cap
    36%
  • Mid-cap
    19%
  • Small-cap
    3%
  • Micro-cap
    1%

The market capitalization breakdown reveals a focus on mega and big-cap stocks, which tend to be more stable and less volatile than their smaller counterparts. However, this could limit potential high-growth opportunities found in mid, small, or micro-cap stocks. Considering a more balanced approach might offer a better risk-reward trade-off over the long term.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Growth Index Fund ETF Shares
    High correlation

The high correlation between the Vanguard S&P 500 ETF and Vanguard Growth Index Fund ETF Shares indicates overlapping investments that may not provide the diversification benefits you might expect. Diversifying into assets with lower correlations can help reduce portfolio risk and improve long-term performance.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

Optimizing your portfolio involves addressing the high correlation between certain holdings to enhance diversification. By reallocating funds from overlapping assets to underrepresented sectors or geographies, you can achieve a more efficient risk-return profile. This step is crucial for aligning the portfolio with the Efficient Frontier, ensuring you're not taking on unnecessary risk for the expected return.

Dividends Info

  • iShares Global Clean Energy ETF 1.50%
  • iShares Semiconductor ETF 0.60%
  • Vanguard S&P 500 ETF 1.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Vanguard Total International Stock Index Fund ETF Shares 2.70%
  • Weighted yield (per year) 1.35%

The overall portfolio dividend yield stands at 1.35%, with the highest yield coming from the Vanguard Total International Stock Index Fund ETF Shares. While dividends contribute to total returns, the focus on growth means dividend yield is not the primary goal. However, reinvesting dividends can compound growth over time, enhancing long-term portfolio value.

Ongoing product costs Info

  • iShares Global Clean Energy ETF 0.41%
  • iShares Semiconductor ETF 0.35%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.12%

The total expense ratio (TER) of 0.12% is impressively low, especially given the broad diversification and sector-specific investments. Lower costs translate into better net returns over time, indicating efficient portfolio construction. Continuing to monitor and minimize investment costs will support better long-term performance.

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